TAL Accelerated Protection Critical Illness Insurance
What is TAL Accelerated Protection Critical Illness Insurance?
TAL Accelerated Protection policy pays a lump sum if you are diagnosed with a specified medical condition outlined in the Product Disclosure Statement (PDS), such as a stroke or cancer.
Accelerated Protection Critical Illness cover can also be attached or linked with a TAL life insurance policy.
Standard and Premier Cover Options
There are two levels of Critical Illness cover available through TAL. The Standard level of cover includes a range of benefits and features such as payments in addition to your lump sum benefit for:
Financial Planning Benefit: If you receive the full claim amount, this benefit will reimburse up to $5,000 of professional financial planning advice help you manage the lump sum payment received.
Grief Support Benefit: If you receive the full claim amount, this benefit will reimburse the costs of up to three grief counselling sessions up to $1,000 for you and/or an immediate family member.
Guaranteed Future Insurability: Which allows you to increase your cover after experiencing a significant life event, such as having a child or getting married, without further underwriting1.
TAL’s Premier Cover provides all the benefits and features available in the standard product as well as some additional features, such as:
- An advance payment to help cover immediate expenses after experiencing a certain event, such as losing your hearing in one ear, losing your sight in one eye or early-stage Melanoma or Prostate Cancer.
- A Needlestick Benefit for occupationally acquired Hepatitis B or C is available for relevant occupations.
- Market-leading Female Critical Illness Benefit for conditions such as Pregnancy Complication and Congenital Abnormalities events.
- There are also some conditions that are only covered under the Premier option, including severe diabetes and severe rheumatoid arthritis.
Critical Illness conditions must meet the specified severity and other criteria outlined in the PDS before any benefit is payable
To learn more, read the TAL Product Disclosure Statement or start a comparison online now.
1. Persons with special terms such as a premium loading or exclusion based on underwriting risk are not eligible for Guaranteed Future Insurability. See the PDS for full eligibility details.